The Valley State Bank in Belle Plaine, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Valley State Bank - Overview

  • General
  • FDIC Certificate #: 15038
    Status: Active
    Federal Reserve ID: 1005552
    Bank Holding Company (Regulatory Top Holder): Morley Bancshares Corporation (RSSDID: 1472060, Location: Belle Plaine, KS)
    Date Established: January 01, 1897
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 9432
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: Febuary 28, 1935
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 502 North Merchant Street, Belle Plaine, KS 67013
    County: Sumner
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Wichita
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Combined Statistical Area (CSA): Wichita-Winfield, KS (#556)
    Core Based Statistical Area (CBSA): Wichita, KS (#48620)
    CBSA Metro Statistical Area: Wichita, KS (#48620)
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $121.6 mil
    Equity capital: $14.5 mil
    Deposits held in domestic offices: $106.2 mil
    Return on assets (ROA): 0.53% ($0.6 mil)
    Quarterly return on assets: -0.03% (-$0.0 mil)
    Return on Equity (ROE): 4.54% ($0.7 mil)
    Quarterly return on equity: -0.25% (-$0.0 mil)
    Net income: $0.6 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.61% ($741.6 mil)
    Quarterly Pretax return on assets: -0.27% (-$328.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 31Total employees (full-time equivalent)
  • $121,578Total assets
  • $4,073Cash and due from depository institutions
  • $1,915Interest-bearing balances
  • $60,562Securities
  • $5Federal funds sold & reverse repurchase agreements
  • $54,610Net loans & leases
  • $1,048Loan loss allowance
  • $0Trading account assets
  • $865Bank premises and fixed assets
  • $460Other real estate owned
  • $0Goodwill and other intangibles
  • $121,578Life insurance assets
  • $1,003All other assets
  • $107,073Total liabilities and capital
  • $106,223Total liabilities
  • $93,764Total deposits
  • $106,223Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $850Subordinated debt
  • $14,505All other liabilities
  • $14,505Total equity capital
  • $14,505Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $1,450Surplus
  • $13,005Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $606Income earned, not collected on loans
  • $0Earning assets
  • $290Long-term assets (5+ years)
  • $117,092Average Assets, year-to-date
  • $57,833Average Assets, quarterly
  • $119,962Volatile liabilities
  • $121,401Insider loans
  • $54,050FHLB advances
  • $122,489Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,333Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,176Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,210Total interest income
  • $1,502Total interest expense
  • $3,708Net interest income
  • $610Provision for loan and lease losses
  • $499Total noninterest income
  • $0Fiduciary activities
  • $352Service charges on deposit accounts
  • $0Trading account gains & fees
  • $147Additional noninterest income
  • $2,963Total noninterest expense
  • $1,703Salaries and employee benefits
  • $440Premises and equipment expense
  • $820Additional noninterest expense
  • $634Pre-tax net operating income
  • $98Securities gains (losses)
  • $102Applicable income taxes
  • $630Income before extraordinary items
  • $0Extraordinary gains - net
  • $630Net income attributable to bank
  • $0Net charge-offs
  • $630Cash dividends
  • $525Sale, conversion, retirement of capital stock, net
  • $150Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.52%Yield on earning assets
  • 1.30%Cost of funding earning assets
  • 3.22%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 2.57%Noninterest expense to earning assets
  • 0.45%Net operating income to assets
  • 0.53%Return on assets (ROA)
  • 0.61%Pretax return on assets
  • 4.54%Return on equity (ROE)
  • 3.46%Retained earnings to average equity (YTD only)
  • 0.93%Net charge-offs to loans
  • 116.19%Credit loss provision to net charge-offs
  • 2.37%Efficiency ratio
  • 70,430Assets per employee
  • 3.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 23.81%Loss allowance to loans
  • 1.88%Loss allowance to noncurrent loans
  • 172.94%Noncurrent assets plus other real estate owned to assets
  • 0.88%Noncurrent loans to loans
  • 1.09%Net loans and leases to deposits
  • 51.41%Net loans and leases to core deposits
  • 56.05%Equity capital to assets
  • 11.93%Core capital (leverage) ratio
  • 10.89%Tier 1 risk-based capital ratio
  • 24.67%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $119,962Average earning assets
  • $13,865Average equity
  • $115,249Average loans

List of branches

  • 3 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09432The Valley State Bank502 North Merchant Street, Belle Plaine, KS 67013January 01, 1897Full Service Brick and Mortar
    1233134Wichita Branch5310 South Broadway, Wichita, KS 67216May 14, 1990Full Service Brick and Mortar
    2465241Derby Branch330 E. Madison Ste. 100, Derby, KS 67037December 22, 2006Full Service Brick and Mortar

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